Citi Rewards Card vs FAB Cashback Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Citi Rewards Card comes out ahead on estimated net value — about AED 1,145/yr more than the FAB Cashback Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Citi Rewards Card Best value | FAB Cashback Card |
|---|---|---|
| Issuer | Citibank | First Abu Dhabi Bank |
| Annual fee | AED 295 / year | No annual fee |
| Welcome bonus | 30,000 ThankYou Points | — |
| Min. income (monthly) | AED 8,000 | AED 8,000 |
| Reward type | points | cashback |
| Headline rate | — | 2% cashback |
| Bonus categories | dining, online, travel | fuel, dining, groceries |
| Lounge access | Yes | No |
| Foreign tx fee | 3.25% | 2.99% |
| Est. net value / yr | AED 2,033 | AED 888 |
| Apply | Apply |
Frequently asked questions
- Citi Rewards Card vs FAB Cashback Card: which is better?
- On our reference spend profile the Citi Rewards Card delivers higher estimated net value than the FAB Cashback Card in United Arab Emirates, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Citi Rewards Card and FAB Cashback Card?
- Citi Rewards Card: AED 295 / year. FAB Cashback Card: No annual fee.
- Which earns more rewards, Citi Rewards Card or FAB Cashback Card?
- Citi Rewards Card earns points; FAB Cashback Card earns 2% cashback. We rank by net value after fees, not headline rate alone.